Ukuthi icandelo lebhanki lihamba ixesha lokungazinzi kwaye kukho inkxalabo evela kubatyali mali yinyani. Abameli bayo abaphambili njengoko benjalo I-BBVA, iSantander okanye iCaixabank. Akunakulityalwa ukuba iinzuzo zala maziko ziye zancitshiswa ngenxa yokwehla kwemida yeeakhawunti zawo zemali. Ngokuyinxenye kungenxa yengqokelela esezantsi efunyanwa ngamaziko emali kwimigca yawo ephambili yemboleko: iimali mboleko, imali mboleko kunye neminye imithombo yezemali.
Le meko ibangelwe kukuhla kwexabiso lemali eliholele kwi Umgaqo-nkqubo wezemali owenziwe yi-European Central Bank (ECB). Kwaye oko kuye kwakhokelela kwimali kwindawo ye-euro ukuba ibe kumgangatho ophantsi wembali, ngakumbi kwi-0%. Into engakhange yenzeke kumashumi eminyaka kwaye ibiyinto ebangele ukuba izibonelelo ezisezantsi zimodareyithwe ngokubonakalayo. Inqaku elidluliselwe kwiziphumo zemali zezi nkampani kule minyaka idlulileyo.
Kodwa bayathandabuza ukuba umqondiso we-alamu kwiimarike zezemali uvela kuhlalutyo lweengcali zeebhanki zotyalo-mali. Kude kube yehlise kakhulu ixabiso ekujoliswe kulo Ezinye zeebhanki zikazwelonke eziphambili. Into ezaliswe luvuyo kubatyali mali abancinci nabaphakathi. Ngokuchanekileyo abo bakude nexabiso labo. Ngelixa ngokuchaseneyo, abo babekekileyo babonisa imithambo-luvo engaphezulu kwesiqhelo. Akumangalisi ke ngoko ukuba bade bacinge ukuthengisa izabelo zabo.
I-BBVA: ukuhla ukuya kuthi ga kwiipesenti ezingama-40
Ngayiphi na imeko, enye yeendaba ezothusayo kwezi ntsuku zezi zequmrhu elichotshelwe nguFrancisco González. Kungenxa yokuba ibhanki yotyalo-mali yaseJamani iBerenberg icebise kubathengi bayo abaphambili ukuthengiswa kwezabelo zeBBVA. Kuba, enyanisweni, kwingxelo yabo babhekisa kwinto yokuba "ithemba lidlula inyani" ngokubhekisele kwimeko yemarike yemasheya yebhanki yaseSpain.
Bakwabonisa ukuba ixabiso ekujoliswe kulo lezabelo zabo liza kwehla liye kwii-euro ezine. Ukuziqhelanisa, le meko intsha ivelayo imele ukwehla kwe-48%. Ukusuka kwindawo ejikeleze i-7,50% ye-euros apho ithengisa khona ngexesha leseshoni yokugqibela yee-equities zesizwe. Ithontsi elinokothusa icandelo elifanelekileyo labanini zabelo abakhoyo kule nkampani namhlanje. Ngaphandle kwamathandabuzo malunga nento ekufuneka bayenzile. Ukuba uqhubeka kwifayile yakho ye- izikhundla Okwangoku okanye ukuba, ngokuchaseneyo, isicwangciso sentengiso enkulu yezabelo zabo siya kuba luncedo ngakumbi kubo. Okanye ubuncinci kwinxalenye yeeprofayili ezikhuselayo.
Ineengxaki zokwakha
Enye yeengxaki eziboniswa yibhanki yohlalutyo lwaseJamani bubuthathaka bayo xa isiza kwiiakhawunti zayo zeshishini. Ngokukodwa, wongeza ukuba i-BBVA "okwangoku ineengxaki zokwakheka ezimelwe yimodeli yeshishini egunyazisiweyo." Esi siganeko siyakuba sesona sizathu sokudilika kwexabiso lezabelo zalo ukusukela ngoku. Iya kulungiswa nayo ukubonakaliswa okuphezulu kwiimarike zaseTurkey naseMexico. Apho ubukho bebhanki yaseSpain buphezulu kakhulu. Ukongeza, enye into yokufikelela kwesi sigqibo isukela kulindelo olukhulu kumvuzo owenziwa eSpain.
Kwelinye icala, kukwabaluleke kakhulu ukungavisisani okunamandla okufumana eli candelo, ngenxa yokungaqiniseki okuveliswa nguMbutho waseYurophu (i-EU). Apho iibhanki zezo zikhulisa ukuguquguquka okukhulu kumaxabiso amaxabiso. Ne iingxaki zezopolitiko kuphelaImifanekiso yonyulo jikelele kwamanye amazwe (i-Itali, iJamani, i-Austria, njl. njl.) Njengemvelaphi. Ayisiyiyo imbonakalo ekhuthazayo kwimidla yakho. Ukuya kwinqanaba elinokuthi linike isizathu kuqikelelo lweziko laseJamani.
IiAkhawunti: zuza iipesenti ezingama-70 ngaphezulu
Le ngxelo, kwelinye icala, iyaphikisana ngokubhekisele kwidatha yamva nje eveliswe kwiiakhawunti zakho zeshishini. Kuba ngoku, iBBVA ivale ikota yokuqala ka-2017 ngokunyuka phantse kwe-70% kwinzuzo yayo, ebikufutshane ne-1.200 yezigidi zeerandi ngenxa yegalelo lokungena kwakhona kunye nokuncitshiswa kwezibonelelo kunye nakwiindleko eziphakathi. Ngenxa yohlengahlengiso lwebhanki kwiminyaka yakutshanje.
Apho ngokuchanekileyo, ukuma kwayo kwilizwe lama-Aztec kuye kwanoxanduva lwamanani oshishino abonelelwe yi-BBVA kwikota yokugqibela. Ngenzuzo esondele kwi-1.200 yezigidi zeerandi, into engazange yenzeke kule minyaka isixhenxe idlulileyo. Nangona ikwabonakalisiwe kwiiakhawunti zabo ezisemthethweni ukuba isitena simele eyona ngxaki yabo iphambili. Kungenxa yokuba isabala imali kwiziko lezemali kwaye ngokokutsho kwabaphathi bayo bakholelwa ukuba iya kuba yimeko esazoqhubeka "iminyaka emibini okanye emithathu engaphezulu.
Ukusuka kwiziko lezemali bacinga ukuba ezi ziziphumo ezilungileyo ukusukela zikhule kuzo zonke iindawo zeshishini kwaye ingaphaya kokulindelweyo okudaliweyo. Apho ityala elipheleleyo leqela limi kwizigidi ezingama-431.899, i-0,8% ngaphezulu, ngelixa iimali mboleko ezingasebenziyo zehla zaya kwi-4,8% xa kuthelekiswa ne-5,3% ngo-Matshi 2016.
Imeko ezinzileyo kwimarike yemasheya
Ngokumalunga nokuvela kwayo kwiimarike zezemali, igcina imeko ethembekileyo yokunyuka. Ukuhamba kuluhlu olusuka kwi-euro ezisixhenxe ukuya kwesibhozo ngesabelo ngasinye. Ngolwabiwo oluzinzileyo noluqinisekisiweyo lwesahlulo esenza esinye sezona ziqinisekiso zibalaseleyo zokuqinisekisa abatyali mali abancinci nabaphakathi. Ngembuyekezo yonyaka kulondolozo olusondele kwi-4%. Ngeentlawulo kwikota nganye yonyaka kwaye oko kuya kuya kwiakhawunti yangoku yabanini zabelo beziko lezemali. Kodwa nakweyiphi na imeko, igcina uzinzo oluthile kwizabelo zamazwe kwaye ihambelana ngokupheleleyo nokuvela kwesalathiso somgangatho, i-Ibex 35.
Ayilulo ukhuseleko olubonakaliswa kukungazinzi okuphezulu. Umahluko phakathi kwamaxabiso aphezulu kunye nexabiso elingabalulekanga ngokukodwa. Ngokukodwa ukuba kuthelekiswa namanye amaxabiso anobundlongondlongo. Umzekelo, abameli beenkampani zeoyile, amashishini esinyithi okanye iiteleco, phakathi kwamacandelo afanelekileyo kwizabelo zamashishini zamazwe ngamazwe. Nangona utshintsho olukhawulezileyo luza kufumana udumo olugqithisileyo njengesiphumo sokudibana kwebhanki yelizwekazi elidala. Akumangalisi ukuba iSpain lelinye lawona mazwe achanabeke kulo mkhwa.
Emva kokuwa kwimarike yemasheya ekuqaleni kwengxaki yezoqoqosho, imeko yayo iye yazinza kwiinyanga nje ezidlulileyo. Nangona befikelela kumanqanaba angaphambili, babalwa ngaphezulu kancinci komqobo wee-euro ezisi-XNUMX ngesabelo ngasinye. Yima nzu, ufumene ngaphezulu kwe-50% yexabiso yeziko lezemali. Ngoku kuhlala kubonakala ukuba uza kuba kwimeko yokufumana ixabiso elidala.
Ngaba ukusika kungachaphazela njani?
Ukwehla kwexabiso layo lokwenyani kunokuba nefuthe elingafunekiyo kwizabelo zenkampani. Abanye abatyali mali banokugqiba ekubeni bathengise iiyunithi (izabelo) zabo ukunqanda ukuwela kwizikhundla ezimbi. Ngayiphi na imeko, iya kuxhomekeka kwimeko nganye. Kwaye ngokukodwa Ixesha apho utyalo-mali lujolise khona: imfutshane, iphakathi okanye inde. Kuba ngokuxhomekeke kwezi zinto zixabisekileyo, isicwangciso esiza kusetyenziswa siya kwahluka kakhulu. Kunye neenjongo ezinokuthi ziqwalaselwe ngabatyali mali.
Ngokuchasene noko, ukuba uqikelelo lwequmrhu laseJamani luqinisekisiwe kwaye izabelo zalo zehla ukuya kuthi ga kwiipesenti ezingama-40, ngekhe kubekhona okunye ngaphandle kokwahluka kwesicwangciso-mali. Ukuza kuthi ga kwinqanaba lokuba izabelo zeBBVA zinike i- Cacisa uphawu lokuthenga. Ubuncinci ukuba imigaqo yenzelwe ukuhlala kunye nexesha elide lokuhlala. Nokuba ungathenga ngomsindo. Kuba, enyanisweni, iya kuba lithuba lokwenyani leshishini kwixabiso elizinzileyo kwaye elihambisa izabelo phakathi kwabanini zabelo. Enye into eyahlukileyo kukuba le meko ekugqibeleni. Ngale ndlela, lixesha kuphela eya kuba ngumgwebi onika kwaye asuse izizathu.
Ukuthenga ithuba
Kungenxa yokuba izabelo zeli ziko lemali zingaphantsi kwe-euro ezintandathu ngesabelo ngasinye lithuba elingenakuphoswa. Nokuba iziphumo zeshishini azilandeli kwikota elandelayo. Kwelinye icala, ayinakulityalwa ukuba uninzi lwabahlalutyi bezemali bakhuphe ingcebiso yokuthenga izabelo. Bade babone le bhanki njengenye yezona zininzi iyathandeka kwicandelo liphela. Phambi kweSantander okanye iCaixabank, phakathi kwezona zichaphazelekayo.
Ukusuka kule meko inokuthi i-BBVA ibonise, enye yezona meko zibalaseleyo kukuvula izikhundla kweyona tranches esezantsi yexabiso layo. Kungenxa yokuba kwezi zangoku, azikuvumeli ukuba uvelise amandla okuhlaziya anomdla ngokwenene. Endaweni yoko ifuna ukulungiswa ukuze abathengi bangene kwakhona kwiimarike zemali.